Cento client review/Money claiming experts

[James007]

Hi all

Have been reading all the comments re the above!!

I wish i had seen them before i passed over £4000.00 to these people on the guarantee of my money back within 12 months if they were unsecessfull.

I have spoken to them today 10 months on to say forget the claim can i just get my £4350.00 back. They are now saying that it may go on longer than 12 months its all upto how long it takes the CC companies to get back to them.

I have asked for the origional contract again, they made no mention of it going on longer than 1 yr.

I cant believe i fell for it what can i do?

Gutted

[TUTTSI]

Re: Cento client review/Money claiming experts

Hi James

Wow that is a great deal of money to lay out up front with NO guarantees. What exactly was Cento planning on doing for you to get you to part with over £4k?

If it is CC charges most of our members have been sucessful with just a letter and had a repayment within 9 days.

If you are trying to get your credit card agreements written off - this may be extremely difficult as cases have lost when presented at court and there is a judgement on here somewhere which concurs that this route is not viable. So I am afraid it looks doubtful if they are going down this route, although 10 months ago this route was not a no go area but I really have not heard of any sucessful cases despite what they tell you. I will try and find the case in question and then you will have something to go back to them with.

By the way 10 months is a very long time to have your money and now they trade under several different names so I hope your money is safe in a client account?

[James007]

Re: Cento client review/Money claiming experts

Hi Tuttsi

It started off at £350.00 but then after 2 weeks they rang to say that they could rush it through for extra money. They wanted a huge amount of money to start but i settled at an additional £4k stupidly.

I just want my £4k back but today they are now saying it is in the hands of the legal team!!! I am getting the feeling i have been done but could do with some help.

Is it possibe to claim back off the CC i paid the £4k on under the 1974 consumer credit act?

Many thanks

James

[TUTTSI]

Re: Cento client review/Money claiming experts

http://business.timesonline.co.uk/to...cle6868968.ece
This is the link I was telling you about.

You could send this link to Cento to show them.

Normally you could only claim back from the credit card company on charge back upto 6 months, but you could give them a try.

My gut feeling is that you should write to them demanding your money back or that they should send you evidence from their legal team that their is a dialogue in place with your credit card company. If they do not respond satisfactorily within 14 days you will issue a county court summons for the money + interest at 8% and report them to the Ministry of Justice.

The Ministry of Justice web site informs you that you should not be paying up front fees and neither should they be cold calling you.

Hi Tuttsi

It started off at £350.00 but then after 2 weeks they rang to say that they could rush it through for extra money. They wanted a huge amount of money to start but i settled at an additional £4k stupidly.

I just want my £4k back but today they are now saying it is in the hands of the legal team!!! I am getting the feeling i have been done but could do with some help.

Is it possibe to claim back off the CC i paid the £4k on under the 1974 consumer credit act?

James

[mystery1]

Re: Cento client review/Money claiming experts

Hi Tuttsi

It started off at £350.00 but then after 2 weeks they rang to say that they could rush it through for extra money. They wanted a huge amount of money to start but i settled at an additional £4k stupidly.

I just want my £4k back but today they are now saying it is in the hands of the legal team!!! I am getting the feeling i have been done but could do with some help.

Is it possibe to claim back off the CC i paid the £4k on under the 1974 consumer credit act?

Many thanks

James

Section 75.

M1

[James007]

Re: Cento client review/Money claiming experts

Hi Tuttsi

thanks for that.

How do i go about trying to claim back of my CC, do i just call them.

Not sure what to do first?

james

[TUTTSI]

Re: Cento client review/Money claiming experts

Do you mean the credit card charges?

Maybe you should deal with getting your money back firstly from Cento as their could be a conflict and then it could get you in all sorts of problems as there could be something in their T&C's relating to this.

If you want to write a draft of your letter to Cento and post it up here first we can help you tidy it up.

Hi Tuttsi

thanks for that.

How do i go about trying to claim back of my CC, do i just call them.

Not sure what to do first?

james

[James007]

Re: Cento client review/Money claiming experts

Tuttsi

Sorry no i meant do i try and get the 4k back i paid to cento via the consumer credit act 1974 being that they have not provided the service i paid for? or do i tackle cento first do you think.

sorry to be a pain

[mystery1]

Re: Cento client review/Money claiming experts

Jointly liable but it wouldn't make sense to try the c/c first. Try Cento see how it goes and if they start games go via c/c.

M1

[TUTTSI]

Re: Cento client review/Money claiming experts

A letter to Cento as I mentioned in my earlier post requesting the return of your money or evidence from their legal team within 14 days. If they dont you will have to take action against them.

[James007]

Re: Cento client review/Money claiming experts

Thanks again

i will draft something and ping it over tomorrow for you to look at if thats ok?


Thanks for the help lets hope it works

james007 x

[Amethyst]

Re: Cento client review/Money claiming experts

As well as in writing, I'd also email it to Mr Stanton and cc it to the MOJ and OFT (it seems to annoy them but gets results).

£4k is an insane upfront fee - assume this was on the promise of debt write off rather than PPI and card charges.

If they ignore you then I'd be inclined to do a Subject Access Request too, and if they don't respond in the 40 days with copies of all your data, get on to the ICO.

[marshallka]

Re: Cento client review/Money claiming experts

Hi Tuttsi

It started off at £350.00 but then after 2 weeks they rang to say that they could rush it through for extra money. They wanted a huge amount of money to start but i settled at an additional £4k stupidly.

I just want my £4k back but today they are now saying it is in the hands of the legal team!!! I am getting the feeling i have been done but could do with some help.

Is it possibe to claim back off the CC i paid the £4k on under the 1974 consumer credit act?

Many thanks

James

So has this been passed over to a solicitor? How did you actually come into contact with them firstly?
------------------------------- merged -------------------------------
MOJ rule breach warning to CMC's says

Taking up-front fees
We are aware that many businesses take ‘up-front’ fees. But some businesses taking up front fees may be failing to provide prospective clients with compulsory, pre-contract information as required by the Conduct of Authorised Person Rules 2007. We are also aware that some businesses are not giving clients a reasonable period in which to consider the information. In particular some businesses take card details and / or payment during an initial marketing telephone call.

This is not permitted by the rules for the following reasons:

What the rules say

Rule 1(a)

requires businesses to "Act fairly and reasonably in dealings with all clients".

Rule 11

requires a business to provide specific information in writing (electronic versions are sufficient) before a contract is agreed (details below).

General Rule 5

requires a business to "observe all laws and regulations relating to its business."
The Provision of Services Regulations 2009, Regulation 11 requires businesses to provide certain information (which includes the information in Rule 11) to be provided "in good time before the conclusion of a contract …"
https://www.claimsregulation.gov.uk/...ust%202010.pdf

[James007]

Re: Cento client review/Money claiming experts

Thanks folks

Yes it was for totally paying off a very substantial amount of CC debt over 2 cards. They cold called me

No i have not spoken to a scolicitor.

Who is Mr stanton?

james

[Amethyst]

Re: Cento client review/Money claiming experts

MD - I'll pm you his email addy.